So I'm at the point now where I have enough coin to buy one of the more expensive ships like the Junk @ $109,000, or the Galleon (I think) @ $90,000. But if I do that, I'm still going to have to upgrade the hull/sails/cannons/ect which will probably set me back another $100,000 or so.
Or, I could do some higher level upgrades to my unique armor/weapons, which can be quite costly, especially if you do any legendary upgrades @ $30,000 a hit. It seems like the wiser investment though, as I'll use those weapons/armor far more than I'll use my ship in combat.
But I'm one of those players that actually enjoys the ship combat mini-game. I find it a nice little side game, similar to what Gwent was to Witcher 3. The Defiant just isn't cutting it anymore and I'm getting blown out of the water going after some of the bigger bounties. I know you can just ram the enemy ship and board them, and I have done that, but I like the other way also.
I'm not going to be able to do both, at least not in my current game state, unless I come into a lot more coin soon. Just looking for opinions on which path other players have chosen.